Short Term Disability

Eligibility Guidelines

Eligible Companies
Most employers are eligible to participate. A list of ineligible businesses is shown below. Firms in business less than two years, firms not participating in Social Security, and firms with employees residing on employer’s premises are also ineligible.

Eligible Employees
Eligible employees are those actively working full time for a minimum of 30 hours per week year round (non-seasonal) who have satisfied the employer’s minimum service requirement.

New Employees
All future eligible employees can be enrolled within 30 days of hire or within a time frame consistent with company new hire probation policy

Participation Requirements

2 to 5 eligible employees – all must be insured

6 to 9 eligible employees – all but one must be insured

10 to 19 eligible employees – 75% must be insured

Effective Dates
All coverage will be effective on the 1st day of the month, contingent upon the HMO’s enrollment requirements. Enrollment materials should be received by the 25th of the preceding month.

Contribution Levels
Employers must contribute at least 25% of premium. If the employer
pays 100% of the premium, all eligible employees must be insured.

Ineligible Businesses
The following types of groups are ineligible for the SmartChoice LTD Plan:

NOTE: For SIC Code range of 8011-8099, Health Services, Doctors (including Anesthesiologists) and Dentists are ineligible for SmartChoice LTD coverage. The other employees of the Health Services offices are eligible for coverage.